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Travel Insurance for UK
While travel insurance is not mandatory for Indians travelling to the UK, it is vital for visitors without NHS benefits. Customised plans available for medical emergencies, trip cancellations, study interruption, etc., at affordable prices. Enjoy London's sights and the Scottish Highlands with peace of mind.
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Travel Insurance Plans on PolicyBazaar#1
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Plans for an individual of 30 years age travelling to USA for 15 days
Key Benefits to Get Travel Insurance for the UK
- NHS Not Free: National Health Services or NHS is free for UK residents, but tourists, students and other visitors on a short-term UK visa are charged the full cost. You need to pay roughly 150% of the standard NHS rate if you’re admitted to the hospital or need surgery, easily costing thousands of pounds.
- Emergency Medical Coverage: Travel medical insurance for the UK covers hospitalisation, follow-up care and other related health expenses. Without travel insurance for the UK or an IHS (Immigration Health Surcharge), you will have to pay out of pocket.
- Medical Evacuation/Repatriation Expenses: An air ambulance for India in the event of a critical illness or injury can cost tens of thousands of pounds. Repatriation of remains can cost over GBP 3,000 and more.
- Weather-Related Delays: As a major transit hub, airports in the UK frequently experience travel delays due to unpredictable weather and other operational issues. This can lead to flight delays or even cancellations that can lead to non-refundable losses (hotels, connecting flights & tour bookings).
Types of UK Travel Insurance
You should choose a plan based on the purpose of your trip:
| Plan Type | Ideal Audience | Key Recommendation |
|---|---|---|
| Individual/Family Plans | Leisure travellers, honeymooners, and small family trips for up to 60 or 90 days. | Designed for short-term visitors/students who are not covered by the Immigration Health Surcharge (IHS) |
| Senior Citizen Plans | Travellers above 60-70 years of age. | Important as urgent NHS hospital care is very expensive. Make sure that PED (pre-existing disease) coverage is included. |
| Student Plans | Indian students studying in UK universities | Despite IHS, student travel insurance plans for the UK cover other non-medical risks like personal liability, loss of baggage/documents, sponsor protection, compassionate visit and more. |
| Annual Multi-Trip Plans | Indian business travellers or frequent fliers who take multiple trips to the UK in a year. | Comprehensive protection for all the trips to the UK, saving time and money. |
The UK Travel Insurance: Typical Coverage & Exclusions
Your travel insurance plan for the UK provides the following, with certain limitations:
| Inclusions | Exclusions |
|---|---|
| Emergency medical expenses for visitors without NHS coverage, including hospitalisation, ambulance, and surgery costs, etc. | Pre-existing diseases are not covered unless a specific PED add-on is purchased and declared |
| Baggage delay or loss by the airline is covered | Planned/elective medical treatments are not covered |
| Emergency medical evacuation and repatriation of remains | Losses due to war, terrorism or breach of law |
| Trip cancellation and trip interruption | Injuries due to high-risk activities or professional |
| Daily hospital cash allowance | Pregnancy or pregnancy-related costs (unless covered under a student plan) |
| Loss or delay of checked-in baggage | Self-inflicted injuries or injuries as a result of drug/alcohol misuse |
Why Buy from Policybazaar.com?
Buying from us comes with a lot of benefits:
Travel insurance for UK from India
Easy Comparison: Compare multiple policies on the go
Accepted Worldwide: Plans that are approved worldwide, including visa insurance requirements.
Budget-friendly: Find the cheapest travel insurance for UK
Instant Issuance: Get your policy within minutes
Global Support: Emergency & claim assistance throughout the world
UK Travel Insurance Add-Ons
The UK is rich in history, versatile in geography and offers experiences unlike any other place. From its food habits to abrupt weather changes, the UK can be a challenging place for many people. Especially if you have health concerns, you must be financially prepared to foot some hefty medical bills, as the NHS does not cover foreigners. You should have sufficient travel health insurance coverage for your UK trip to avoid any financial burden.
From dental support to emergencies because of pre-existing conditions, make sure you buy suitable add-ons for your UK trip. If you are a perfectly healthy person planning to ski in Scotland or go hiking, then an adventure sports cover can go a long way. It will cover medical risks related to these sports and more!
What does the UK Travel Insurance cover?
Travel insurance for UK from India covers several things. Some of the common inclusions and exclusions are as follows:
Covered in Policy
The following are the cases that are mostly covered under your international travel insurance policy:
Medical Expenses
Travel medical insurance for UK covers hospitalisation expenses, evacuation and repatriation expenses in case of an emergency.
Personal Liability
If you somehow become liable to a third party while travelling abroad, then your India to UK travel insurance will help you shoulder the costs.
Flight Cancellations
In case your flight is cancelled due to covered reasons, this UK travel insurance will compensate you for additional expenses.
Baggage Loss
If your airline misplaces or damages your luggage, then your UK travel insurance policy will provide a fixed sum to reimburse you for those damages.
Home Burglary Insurance
In case of a burglary at your home back in India while you're on your trip, travel insurance from India to UK trip will compensate you for the losses as per your policy term.
Passport Loss
Your tourist insurance UK will cover you for the costs incurred in getting a new or duplicate passport.
*Disclaimer- You must read your policy wordings thoroughly to know the exact inclusions of your travel insurance for UK.
Not Covered in Policy
The following are the cases that are not covered under your international travel insurance policy:
Medical Exclusions: Medical tourism (travelling for treatment), Travelling against doctor’s advice, Nervous/Mental Disorders, PED conditions (unless you have purchased PED add-on), Self-inflicted injuries, Routine check-ups or cosmetic surgeries
Travel Exclusions: Losses incurred due to civil war, rebellion, or military actions, Chemical or biological weapons, and acts of terrorism are not covered. Loss due to your own negligence, such as leaving your passport unattended and it was stolen, then you won't be covered for it.
Legal Exclusions: Any liability claims related to employment or professional activities, intentional damage caused to a third party, legal action taken against travelling companions or family members are not covered.
*Disclaimer- You must read your policy wordings thoroughly to know the exact exclusions of your travel insurance for UK.
Documents Required for UK Travel
You may contact the British Embassy in India or visit the official website to learn more about UK entry requirements depending on your travel purpose.
UK Entry Requirements from India
All travellers visiting UK from India need a valid UK visa to enter this country. to fulfil specific entry requirements and carry some important travel documents:
Indian passport with a validity of at least six months
Pre-approved UK visa
Travel tickets (including onward or return tickets)
Medicine prescription, if required
Don't forget to carry international travel insurance for UK from India to avoid any unpleasant expenses during your journey!
Travel Insurance Purchase
The following are the documents required to purchase travel insurance.
Passport number of travellers
ID proof, like PAN or other government-issued documents for the proposal form and KYC*
Trip and booking details
*You must also have your travel dates and destination for the proposal form.
Travel Insurance Claim
The following are the documents required for travel insurance claim.
FIR or police report for criminal cases
Copy of your passport with immigration stamps
ID Proof
Completed claim forms
Copy of your original policy
Original bills and receipts
You may be asked to provide all of these or more documents, depending on your claim.
Visa Information for UK from India
Indian nationals need a pre-approved visa to visit the UK. You must apply for a visa well in advance to avoid visa cancellations or errors. The UK offers visas depending on the purpose of visit. If you wish to study in the UK, you will need a Tier 4 student visa. Don’t forget to buy a student travel insurance for your program here! Indian nationals can get either of the following types of UK visas:
| Type of UK Visa | Details |
|---|---|
| Standard UK Visitor Visa | For up to 6 months Valid for tourism, work, short-term courses, medical reasons, etc. |
| Long-term Standard Visitor Visa | Available for 2-10 years Include marriage visitor visas, Tier 4 student visas, Tier 2 sportsperson visas and many more |
Fast Facts About the UK
| Category | Useful Facts for Indian Tourists |
|---|---|
| UK Visa Requirement | Indians need a UK Visa for tourism, family visits, or short stays |
| Flight Duration | Direct flights from India to London take 8-10 hours. |
| Currency | British Pound (£ / GBP) Cards widely accepted, but keep some cash. |
| Best Time to Visit UK | March to June |
| Driving Side | Vehicles drive on the left side of the road, the same as in India. |
| UK Emergency Number | Dial 999 for police, fire, or ambulance. |
| Top Attractions | Big Ben, Buckingham Palace, Stonehenge, Oxford, Edinburgh Castle and more. |
| Tipping | 10–12% in restaurants (if not already added). Optional elsewhere. |
| Health & Insurance | Medical care is costly; travel insurance UK strongly recommended. |
| International Airports | Heathrow Airport, Glasgow International Airport |
| Power Plugs | Type G plugs (3 rectangular pins); carry a travel adapter. |
Money-Saving Tips in UK
Whether you're visiting the UK for the first time or third, there are always a few things that go a long way to ensure your safety:
Pick an Affordable Area
Avoid staying in Central London. Book a place early in Zones 2-4, such as Wembley, Stratford or Hounslow.
Save on Food
Go to supermarkets like Boots or Tesco to get affordable food deals (snacks + drink + sandwich) under GBP 3- 5
Buy an Oyster Card
Travel cheaply by buying a contactless card to travel overground, buses or the Tubes in London.
Get the London Pass
Other than free UK museums, you can use this pass to visit multiple paid attractions in London.
Travel Outside Peak Season
Plan your UK trip during April-May or September to October. These months see fewer crowds and lower hotel/flight prices.
Most Visited Places in the UK
The UK consists of some of Europe's most popular destinations. From mesmerising landscapes, and brilliant castles to world-class museums, take a look at some of the must-visit places in the United Kingdom:
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London: The heart of England. Famous for the Tower of London, Big Ben, the Jewel House, and the spectacular 1,000-year-old Tower Bridge.
-
Edinburgh: Scotland’s Capital, home to the historical 13th-century Edinburgh Castle. Also visit the Royal Palace, One O'clock Salute, the Scottish National War Memorial and the Stone of Destiny.
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Salisbury and Stonehenge: Among the world's oldest World Heritage Sites. The medieval city of Salisbury has the original Magna Carta and the famous Salisbury Cathedral.
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Giant's Causeway: A UNESCO World Heritage Site, known for naturally formed columns of layered basalt. It has over 4,000 polygonal-shaped steps formed over 50 million years ago.
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Cardiff: Wales' capital city is famous for Cardiff Castle, dating back to 1090. Known for Victorian shopping arcades, theatres, restaurants and shops.
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Cardiff Bay: Visit The Hayes, the World of Boats and Techniquest in Cardiff Bay.
UK Travel: Safety & Precautionary Measures to be Undertaken
Whether you're visiting the UK for the first time or third, there are always a few things that go a long way to ensure your safety:
-
While the country is pretty safe, petty crimes are common. Emergency numbers here are 999 or 112
-
Be up-to-date with local news and follow their guidelines
-
Wear masks properly and keep sanitisers handy
-
Don't leave your bags unattended; this may cause a security alert. If you find any unattended item or bag in a public area, report them
-
Use only registered minicabs or taxis when travelling in London
Travel Insurance for UK from India: FAQs
-
Q1: Is travel insurance mandatory for UK visa application?
Ans: No, travel insurance India to UK is not mandatory but it is highly recommended that anyone planning to come here buy UK travel insurance from India. It will cover any emergency expenses incurred for several reasons. -
Q2: How much does travel insurance for UK from India cost?
Ans: Travel insurance for UK from India cost varies with the total number of days, your age, and other factors. -
Q3: Which is the best travel insurance for UK from India?
Ans: Any comprehensive UK travel insurance from India is suitable for your trip. Just ensure it provides sufficient coverage for hospitalisation and travel-related emergencies like passport/luggage loss, flight delays, etc. -
Q4: Is Indian health insurance valid in UK?
Ans: No, your Indian health insurance won't work in UK. However, you can buy travel medical insurance for UK visitors from India so that your insurance policy covers any medical expenses you face in the United Kingdom. -
Q5: Is healthcare free in UK for Indians?
Ans: No, NHS healthcare is only free for people residing legally in the United Kingdom, not for Indian visitors or tourists. However, people paying the immigration health surcharge can benefit from this. -
Q6: How to choose the best travel insurance for UK visitors from India?
Ans: You can find a travel policy that fits your purpose and duration of visiting the United Kingdom. If you have a tight budget you cane easily find cheap travel insurance UK as per your needs. -
Q7: Does UK come under Schengen travel insurance?
Ans: No, the UK is not part of the Schengen zone, so you need to buy another plan. However, if you’re travelling to a Schengen country via Britain, you must get a India to UK travel insurance plan accordingly. -
Q8: How to buy travel insurance for UK from India?
Ans: You can buy UK insurance for your trip through policybazaar.com or directly from an insurer of your preference. -
Q9: What is the right travel insurance for Indian parents visiting UK?
Ans: Indian parents, especially those over 60, should consider senior citizen travel insurance. Make sure to declare any PED and opt for a policy with a high sum insured.
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Disclaimer: The list of insurers mentioned are arranged according to the
alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any
particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of
insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India
refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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Policybazaar Insurance Brokers Private Limited, Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 | CIN: U74999HR2014PTC053454 | Policybazaar is registered as a Composite Broker | Registration No. 742, Valid till 09/06/2027 | License category - Composite Broker | Contact Us | Legal and Admin Policies
* Price shown is for a 30 day trip to UK with 50,000 dollar coverage for an adult of age 25 years
